Call Center

Phones

E-mail

Working hours

Card and POS terminals assistance

24 hours bank cards and POS terminals assistance center

Phones

0700 10 000 (Vivacom)

17 21 (A1 and Telenor)

(+359 2) 962 41 02

Fax

(+359 2) 962 78 59

0700 10 000 calls for Vivacom subscribers are at the price of local call for people calling from all around the country - the difference between long-distance and local call is covered by Raiffesienbank. 17 21 calls for subscribers of mobile operators A1 and Telenor are at the price of internal call/within the same network – A1-A1 or Telenor-Telenor depending on customer individual plan.

Notifications

Trade with equities

Visit registered office of the bank and sign an investment services contract. All you need is your ID card. Equities are traded by placing an order by telephone, email or in person at one of our registered offices.

Terms

Frequently asked questions

What are equities?

Stocks are securities that confer ownership of part of a company’s capital. By buying stocks in a company, you become the owner of a proportional part of that company. Stocks give investors certain rights, the most important of which are voting, dividend and liquidating dividend rights. Stocks are traded on exchanges, where market players operate or companies raise funds. There are more than 250 stock exchanges in the world.

What are exchange-traded funds?

Exchange-traded funds (ETF) are mutual funds traded on stock exchanges as equities. They can be managed passively or actively and usually track the performance of a certain market index or economic sector. They are an opportunity to invest in a certain group of financial instruments at a lower cost compared to buying single instruments.

What are the risks involved in trading such instruments?

Stock investments are generally riskier than investments in other financial instruments such as bonds or certificates. The main risks investors should watch out for are:

Credit risk - this is the risk of bankruptcy or insolvency of the issuer. Here it should be noted that shareholders are in last place when it comes to satisfying the claims of the creditors of a bust company. In the event of bankruptcy, the investor may lose all money invested.

Market risk - this is the risk that the stock prices will change due to adverse market conditions, poor financial performance of a certain company, poor performance of an entire economic sector, political risk, etc.

Currency risk - this is the risk of adverse change in the exchange rate of the currency in which the securities are denominated, if different from the investor’s local currency.

To what extent am I protected as an investor?

Bulgaria operates a Securities Investor Compensation Fund which covers losses resulting from the bankruptcy of an investment inrtermediary of up to 90% of the assets held, but no more than BGN 40,000. Only investors classified as non-professional clients are entitled to compensation from the Fund.

In accordance with current statutory provisions, Raiffeisenbank keeps its clients’ securities separate from its own securities. Depending on the type of security, they are held at Central Depositary AD, Bulgarian National Bank or foreign depositaries.